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What is business insurance?

Business insurance can cover you against losses if things go wrong in the course of your business activities. It can include cover for being sued for compensation, damage to your commercial premises, and more.

01. Why is business insurance important?

Any interruption to your business, whether it’s in the form of a key person leaving or an accident that damages your premises, can cause you serious losses. Plus, if something goes wrong you’re vulnerable to legal action by employees or clients. No one knows what’s around the corner, so having insurance that could cover you if things go awry is well worth considering

02. What are the different types of business insurance?

Here are several types of business insurance.
Employer’s liability (EL) insurance: this is a legal requirement if you have even one employee. It protects you against the cost of compensation claims if one of your staff gets injured or ill through working for you. If you don’t have this kind of insurance in place you could be fined £2,500 every day if you’re not properly insured. Your policy must cover you for at least £5 million.
Public liability insurance: offers you financial protection in case your business activities kill or injure a member of the public, or damage their property. If that person takes you to court, it will cover your legal costs and any compensation you might have to pay. Some customers might insist on public liability insurance before they work with you.
Professional indemnity insurance: this isn’t a legal requirement but you might be asked to have it by other businesses you’re working with. Professional indemnity insurance gives you cover if a client says you have given them bad advice, or that your work has caused a problem and takes legal action against you.
Business interruption insurance: could help compensate you for financial losses caused when your business isn’t able to operate as normal.
Commercial buildings and contents insurance could cover your premises and stock against flood, theft and fire.
Credit risk insurance typically insures you against the risk of a customer not paying their bill.
Key man insurance: if someone who’s essential to the running of your business can’t work for you, this type of insurance can compensate you for that loss. Landlord insurance: having landlord cover in place typically protects you if your rental property is damaged or there is a fire. You can also include protection again. If you own vehicles in relation to your business, you’ll also need to have car or van insurance.

03. How do I compare quotes for business insurance?

Whatever type of business you run, it’s easy to compare quotes with Stratstone & Bentley. Just give us a few details about you and your business.

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Reasons To Choose Us

Stratstone & Bentley one of the UK’s faster-growing independent Business Insurance brokers with a wide range of panel of insurers on board, We have access to an extensive number of Insurers and a wide range of products to meet all of your insurance needs including motor, household buys to let and business insurance.

We help our customers find the best insurance quotes for a number of insurance products including restaurant insurance, taxi insurance, landlord insurance and more! If you own a business or need personal cover then we can help, especially as we focus on providing niche insurance products that are tailored to suit each individual’s needs.

In today's busy lifestyles, we only ask you to complete one simple form and we will contact you in order to find the most competitive quotes. So if you are looking for the best insurance quotes then make sure you get a quote with Stratstone & Bentley today!

We look forward to welcoming you as our newest insurance customers..


Our size, reputation and success in the market means we have access to a wide range of providers and insurers,
including specialist rates and schemes which are exclusive to us.

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